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Posts posted by theblether
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30 minutes ago, mania said:
Surprisingly few answers to your actual question.
I am not self insured but if I had to I think a minimum of 800-1 million baht & better 2 or 3 million baht same as most available policies
BUT...the problem starts at the point of using that self insurance. Is your situation such that it is no problem losing that to a medical cost? Is it easy enough for you to then refill that self insurance fund back to full?
TBH I think the only folks who are truly able to self insure never even consider asking how much to set aside (That is not me either 😉 )
The question was answered immediately - 10 million baht. One of my Thai mates spent three months in a kidney-related coma, eventually dying. The private hospital billed his family almost 4 million baht.
So that begs the question for the OP - can he guarantee that he will be in a fit condition to decide on treatment? He'll be far from the first farang found unconscious and transported to a private hospital.
Have you thought about that, OP?
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50 minutes ago, JeffersLos said:
Live in a house wrapped in cotton wool. Never venture outside.
That's not what I said. I clearly said maximise travel insurance and if not available, don't bother.
However, lie screaming in pain as your broken hip grinds every time you move on your festering bed. Rely upon strangers to wipe your ass as you cry tears of humiliation and agony. No ambulance will collect you as no hospital will take you, You can't fly home as you can't bear the agony of getting out of your bed never mind a twelve hour flight to your home medical service.
How about the guy I know who flew to Thailand to celebrate beating cancer - fell off a motorbike, was rendered immobile for six weeks and, goddammit, his cancer came back. Uninsured, broke, we raised his travel money home with a gofundme.
Or maybe you'd prefer a rapid onset brain tunour. Faculties destroyed, a gibbering wreck, no airline will certificate you to travel. An issue that a certain coterie of clowns, likely you are one, have never thought about. Denied boarding - sent to the medical centre at Suvarnabhumi and the doctors certify you unfit.
How about falling off the back of a motorcycle taxi, unaware that the rider was drunk. Broken back, paralysis in one leg. Oh, how about the guys I know ( more than one ) wandering around with untreated SYPHILLiS - that most ancient of diseases, caught from unprotected sex with a random pin-cushion bar girl.
Or would you prefer a run-in with Dengue fever? Maybe just a wee broken ankle, or a head smashed when you slipped in the shower.
No, you're right. It's always the wise thing to do. Travel 10,000km with uninsurable conditions and wander around a fundamentally unsafe foreign environment full of weird viruses without medical cover.
Do us all a favour and be quiet.
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There's no such thing as self-insurance. If you can't get coverage due to existing conditions don't move to Thailand on a permanent basis. Maximise travel insurance if available, and if its not available, forget it. Far too many horror stories.
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I don't want to be controversial but - have you ever seen how quickly violence flares in the UK and USA? I can understand some Europeans ( Germans in particular ) not being used to violent flare ups but dear me, try making someone "lose face" in the above mentioned countries and a hospital visit is on the cards. Or maybe the morgue.
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29 minutes ago, NorthernRyland said:
One of my uncles lives there for some of the year. I'd like some more Mexican food in my life too.
If you ever get a chance, mid - September to start November is a great time to visit, with the Independence Day celebrations, The Procession of the Virgin Mary ( incredible ) Hallow'een, and Day of the Dead including the Day of the Dead ball and parade. Add to that day trips to Tequila ( bar girl heaven ) and several other great locations, it's well worth a visit.
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Just now, John Drake said:I would go back to the US if I could live in Hawaii, with a lot of money, and private helicopter to avoid the crowded roads. Otherwise, I would opt for Central or South America before the mainland US. And I most definitely prefer Thailand over all but the Hawaii option. I really don't want to face surly American doctors, lawyers, or other "professionals." Of course, I haven't been back in 13 years, so it's probably changed. But I'll bet it's for the worse.
I'm not daft. I can see why people settle in Thailand. The demented aspect is growling over their shoulder for years thereafter about their home country. To me it shows a fundamental weakness and unhappiness, akin to the guys still going about ancient divorces. Grow up.
Tonight, no doubt to the amusement of some Brits, I'll take my mother to the bingo and will watch a movie with my dad. Tomorrow, grandkids to the cinema, followed by a visit to Edinburgh area to see old pals and we'll have a Bank Holiday two day drinking session. Paris next, followed by Stockholm, then going to plan, Thailand, and the Singapore Grand Prix. I've got a good life, not trapped by anyone or by circumstance.
If I were American, Puerto Vallarta, Guadalajara and San Miguel de Allende would be go to retirement places. San Miguel has a feel of Chiang Mai to it. Guadalajara was exceptional. I'd avoid Rio like the plague but I could easily live in Montevideo, Uruguay. I see Medillin ( Colombia ) locals are turning against "passport bros" with some serious demonstrations taking place. Even the Spanish are taking to the streets to protest tourism.
We are in the Overrunning Age. Every decent location is bursting at the seams and with greater numbers there's always greater potential conflict. We see that with Thailand now, a lot of the incidents causing comment here are minor but they cause a meltdown among the giant brigade of pontificating balloons. This thread a prime example - KGB, Stasi, UN charters etc. Get a grip, It's Mad Hatter level absurdity.
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19 minutes ago, BritManToo said:
The Scots are a nation of alcoholics as you well know. Not that I blame them, nothing else to do in that awful place.
I can't be bothered.
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1 hour ago, BritManToo said:
It was so bad in Glasgow we used to roll up to the BBC club after work every evening and get blind drunk. My boss (lovely lady) was found face down dead at her desk one morning, drowned in a pool of her own vomit.
Not sure about socially incompetent, I knew when it was my round, and that was about it socially.
And now you have reduced your "lovely lady boss" to a prop in a pitiful Internet exchange.
Well done, classy post of the day.
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20 minutes ago, NorthernRyland said:
I refuse to believe UK is as bad as expats make it sound. I've never been before but I'm certain of this. Sure if you're broke and retired maybe it sucks but if you're secure and have a good home in a good area it looks pretty nice to me. Chiang Mai looks like an industrial hellscape right now. That's better than Glasgow?
Your comment is accurate in every way. My first stint as an expat was in 1970. Throughout my multiple expat stints I've encountered this type. They justify their decision to move by demonising their homeland.
As for CM. It will be a cold day in he'll when I subject myself voluntarily to another smoky season. I love the place, my village life is exceptional, but like many CM based people - March arrives, we leave.
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I always check in early so I can use the business class lounge. Thats usually 3 hours before añd fast track immigration takes very little time.
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6 hours ago, BritManToo said:I used to live in Glasgow .......... anywhere in Thailand is better than there!
All countries appear to be oppressive these days, at least here it's sunny and oppressive.
If I were really, really rich I'd probably go and live in a castle in Germany.
Your rebuttal is worthless. I have an excellent life in Thailand, and a superb life in Glasgow. That's because I'm not a social incompetent and I value my Scottish family life.
Thailand is overrun by bitter and twisted Western rejects spouting inane garbage. Your reply is a prime example.
The tragedy is - you thought it was clever.
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28 minutes ago, Aussie999 said:
Well actually, it could be bundled in with many other breaches of freedom of speech.
You don't have freedom of speech in Thailand. Get over it.
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I suggest some of you reread this thread as a black comedy. Stasi, KGB, international reputation, UN Charter blah blah blah.
Get a grip on yourselves, the number of people ranting like delirious fools is beyond belief. No one cares. And for those of you that sincerely believe yourselves to be correct in said pompous protestations -
Explain why you choose to live in such an "oppressive" country.
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59 minutes ago, Aussie999 said:
Check article 19 of the UN
Dear me. Aye, the UN is going to send peacekeepers to Thailand cos a YouTuber was questioned for being an idiot.
Very good.
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Go to seatguru.com
Input your flight details
The website lists seats to select and avoid by colour.
Also, look at the passengers reviews of the seats. What some people hate you may enjoy. For example, I flew to Rio and the one of the two seats at the back of economy was slated as you couldn't lean against the window to sleep. They forgot to mention ( one wise passenger did ) that you had enough room around that seat to stand, stretch, and go to the galley or WC without disturbing anyone. That seat was excellent. The premium economy seat from Santiago, Chile to Madrid was not as good.
A wee bit of research goes a long way, so use seatguru.com
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2 hours ago, jvs said:
This looks kind of strange to me,i have seen dog and wolf attacks on sheep but never like this!A
dog would chase the sheep and attack them in the flank or side of the neck but i have never seen any attack like this.
I agree. The breed of dog was never ascertained. We don't have natural predators capable of this type of damage and its a mystery why the aggressor locked on their faces.
Also a mystery why people can see a photo like that and wonder why the dog can't just be rehoused.
#justsayin'
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11 minutes ago, Prubangboy said:First off, TheBlether is one of the greatest internet names in history.
-But why not just re-home the dog? It's astonishing to me, but the number of people (many of whom are non-lesbian) who want to "rescue" dogs is limitless.
And finally, here's a deeply sad song about a dog taking a bullet that was among Elvis's first recordings -def a weeper.
No farmer would allow a dog that attacks livestock to live. It's an instant death sentence.
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2 hours ago, charleskerins said:
Noem is the one that was born mental -she's trash. "they will be shot without hesitation" More trash humans. So brave
Ridiculous comment - no one that keeps livestock would allow an aggressive dog to run riot.
The idiot brigade that thinks it's a wee shame for the dog would weep when they see the damage done to literally defenceless animals. Here's the result of a dog attack in Scotland.
If you think Noem is mental then there's something wrong with you.
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26 minutes ago, brianthainess said:
It's called good training, like firefighting show someone then get them to copy you, it takes away the fear when You show them. But with a snake I'd be gone, with a fire I have been trained also with LPG gas bottles.
Shame the driving here doesn't follow that pattern ........................................I'm rambling
Snakes don't bother me unless they are in my pond. I don't see cobras that often ( never in my pond ), but I do see rat snakes and banded kraits on a regular basis - and I've seen both in my pond.
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Great photos. I'm always amazed at how comfortable many Thais are handling these guys. A juvenile cobra found its way into the kitchen at my local pub and one of the rescue service guys just walked in and picked it up. The Thai ladies with me set a new land speed record when he offered them a closer look.
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27 minutes ago, Will B Good said:Got one now....English Bull Terrier.....he and the wife dote on each other.....but he has attacked me 5 or 6 times and bitten 3 times.....no way will she get rid of it.
Not a chance it would still be drawing breath after biting me three times. And its capable of biting you mind your conscience when it rag dolls a five year old kid.
Put it down.
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Yes, I have and the rescue dog was young enough to be retrained. Unfortunately I had top put it down as it developed premature arthritis due to being overfed as a pup, causing immense stress to its developing skeletal structure.
Noem was not wrong to shoot a dog that worries livestock. I was brought up on farms and with the hunting fraternity. They would have no hesitation in shooting problematic dogs, especially dogs they owned. Some dogs are born mental, certain collies are born defective with a condition called NCL5. This can turn them aggressive. As soon as its noticed they will be shot without hesitation.
ps - your boast about the English being 1000% more humane ( utter garbage ). What do you think happened to all the racing greyhounds? Dredge the rivers and ponds and you'll find thousands of skeletal remains.
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3 minutes ago, VBF said:
Well I gave you a 👍 for that because I think you're spot on and effectively agreeing with what I wrote above. I just didn't know it was called ICE.
One question: Why did you say "...Mentioning the 55 year old and 61 year old is another absurdity. Who cares? "
I don't get that bit!
The OP mentions that age group - no one reading that OP cares about people that age. They know they are going to have their pension frozen.
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3 minutes ago, theblether said:One of my ( very ) close relatives is an HMRC tax investigator. I posted this years ago but now time for a reminder. The government has an internal system called ICE. My relative only needs to submit your national insurance number and it spits out reports. If he adds a last known address and ( god forbid ) a passport number, twenty-three government agencies spit out everything they know about you.
First, I haven't read the whole thread - the Thai government has a report of every time you have entered the kingdom. Do not kid yourself that the British government does not have every single entry you have made to the UK in the last 20 years. Second, the UK government has access to every flight manifest for passengers of any nationality entering or leaving the UK. By the way, some of you will be unaware that the HMRC investigation period has been extended from the previous six years to twenty years now.
Second - HMRC can demand every financial transaction linked to your UK account and the banks cannot deny access to the records. So every time you have used an ATM drawing from a UK bank in Thailand it's recorded and accessible by HMRC. Equally every bank transfer overseas is recorded but no one is that stupid that they don't know that.
Third - DWP are part of the ICE system, that should be obvious to everyone too.
Fourth - one that you likely don't know - council tax records are part of ICE so if you are declaring that you are resident in the UK to bypass the pension freeze it will take the DWP a press of a button to discover your registered address. Another press of the ICE button will uncover your banking records, flight manifests etc.
You cannot defeat ICE.
After the bad news, now the good news. HMRC etc are far too busy to be chasing up every pension claimant. The people that get caught usually have an unexpected change in circumstances ( such as the person who they are registered as living with dying ), or the housing association discovering that an "unknown" person is living in the accommodation, or the "registered person" coming to the attention of social work support due to illness. Otherwise, someone would need to grass you into the authorities.
There have been absurd cases where, for example, people sublet their own council house and use the profit to live in Thailand, then the council catches them out. You must be beyond stupid thinking you'd get away with that.
However - this OP is approaching trolling territory. Mentioning the 55 year old and 61 year old is another absurdity. Who cares? They are nowhere near being affected by the pension freeze.
And this forum has been tortured for decades by people moaning about the pension freeze that knew before they retired it applied in Thailand. An utter waste of time as the governments ( including Labour ) have no interest in increasing their pension burden for people who choose to live overseas. They are delighted you have made the move and saved them a fortune.
So sad, too bad.
ps - I should add - some of you will remember a few years ago that the Thai government requested the UK government validated your income for retirement visa reasons. The UK government flat out refused, they weren't prepared to share that info with another country.
It would have been a catastrophe for many pensioners. First, for those who were cooking the figures to qualify - second, those who were claiming they were resident in the UK. So while some of you spend all day growling like bulldogs chewing a wasp, never forget how close you were to being dragged under the radar by Thai government policy.
And who knows what the unintended consequences of the new tax policy will be.
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Self insured - what amount?
in Insurance in Thailand
Posted
Bring the other half of your wit the next time you comment.